CMS Price Transparency Data

Colonoscopy with biopsy

Facility: McLaren Flint

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $645
Cash Discount Price: $1,595
vs. Medicare Baseline: 0.53x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at McLaren Flint is $645. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,595. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 0.53x the Medicare baseline. Located in 401 S Ballenger Highway, Flint, MI.

Cash / Self-Pay

$1,595

Average discount available for prompt cash payment at this facility.

Insurance Median

$645

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$1,222.56

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $1,222.56 (100%)

Cash / Self-Pay: $1,595 (130%)

Insurance Median: $645 (53%)

Cash: $1,595 (130% of Medicare)

Ins. Median: $645 (53% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $1,222.56 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Medicaid / KanCare	$127 - $664	10%
Humana	$175 - $1,150	14%
Medicare (plans)	$175 - $1,840	14%
Hap - Hmo	$194	16%
U Of M Health Plan	$202	17%
Aetna	$254	21%
Priority Health	$300	25%
Blue Cross Blue Shield	$317 - $1,062	26%
UnitedHealthcare	$387	32%
Mclaren Commercial Ins	$420	34%
Tricare	$1,124	92%
Mi Amish Medical Board	$1,150	94%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $1,595.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45380.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Flint is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45380.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.